Tag Archives: debt

Unsecured Personal Loan Offers

Unsecured Personal Loan Offers

An unsecured personal loan is a great way to consolidate debts and get a fixed monthly payment at a lower rate.

Here is a look at current personal loan offers from top lending companies if you want to borrow $5000.

UpStart

With the UpStart personal loan offer the estimated APR is between 13.5 and 17.5%. You can expect your monthly repayment to be about $175 per month.

This is a good loan to take if you have little credit history. They do charge an – Read more

Should You Pay Your Student Loans Off Early?

Should You Pay Your Student Loans Off Early?

Student loans are thought to be good debt and these loans usually have low interest rates. However, student loans are still a type of debt and when you pay these off you can get a return equal to the interest rate.

So should you pay your student loans off early?

When to Pay Student Loans Early

When it comes to paying off your student loan early and when, you will need to take into account your financial situation, the interest rate and – Read more

Budgeting Tips for Beginners

Budgeting Tips for Beginners

It can feel overwhelming to create your first ever budget, but here are some tips that you can follow to build your personal budget.

Know What You Have

The first thing that you will need to do is to determine how much you have. If you have a checking account, a savings account, an investment account and other such financial instruments you will need to find out how much you have in each account as well as the expenses and interest rate for each one. This – Read more

Personal Loans for Debt Consolidation

Personal Loans for Debt Consolidation

Paying off debt is the way to a healthy financial life. A debt consolidation loan could help you with your debt. A debt consolidation loan is where a lender will give you a personal loan that you are able to use to pay off your other debts. You will then need to pay fixed monthly installments over a period of time to pay the personal loan back.

The interest rate that you receive on the loan will depend on your credit history and this is usually fixed – Read more

Avoiding the Payday Loan Trap

Avoiding the Payday Loan Trap
Getting into a payday loan trap is quite common and is such among young professionals. This is due to their refusal to ask for help and would rather rely on payday loans and cash advances to help cover their bills.
The only issue with payday loans is that they have…

How to Save on a Tight Budget

How to Save on a Tight Budget

If you are on a tight budget and want to start saving money or save more money then what you currently are then take a look at these tips.

Cut Spending Easily

You should keep a record of your expenditures for a month so that you are able to see where you are able to make small savings that add up. You might be surprised on how much you are spending on eating out or getting that daily coffee from your café.

With necessary purchases like food, you – Read more

Common Credit Card Misconceptions

Common Credit Card Misconceptions

In most cases opening a new single account will improve your credit score. This is just one of the many misconceptions that surround how credit cards work. Here is a look at some more of those misconceptions.

I Pay the Balance in Full, So I Don’t Have Any Debt

The smartest ways to use a credit card is to pay the balance off in full each month so that you don’t have to pay any interest.

This does look like that you aren’t incurring any debt, but – Read more

Problems Paying Back a Payday Loan

Problems Paying Back a Payday Loan

If you are struggling to pay back your payday loan then there are ways that you can tackle this problem.

Contact Your Payday Lender

If you find that you need help with a payday loan then just know that you are not alone. It is important that you contact your payday lender.

They need to treat you fairly and allow you a reasonable amount of time to repay the loan. This could include freezing the interest and suspending charges or suspend the – Read more

How Does Credit Reporting Work?

How Does Credit Reporting Work?

With credit it is important that you check your credit score each month. Your credit report will show not only your score, but also your payment history, debt and other factors that will have a bearing on your score.

The Credit Reporting System

There are three main players in the credit reporting system, those being the consumers, credit bureaus and financial companies.

Your creditors report the information about your credit card and loan accounts – Read more

Saving on a Budget

Saving on a Budget

If you find that every month you are short on cash, you may think that there is no way you can save. However, get this thought out of your mind because it is possible to save and you have to even when your money is limited.

Here are some ways that you can save when you are on a budget.

Shop Smarter

The first thing that you need to do is to only buy things once you have shopped around.

You need to commit yourself to comparison shopping and to look for coupons – Read more

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